(I) For currency conversions of amounts in your PayPal account that do not form part of a specific transaction into or out of your account (e.g. converting your balance to another currency) and for transactions involving a currency conversion for which the seller has agreed to bear the conversion fee: 2.5% above the wholesale exchange rate
(II) For all other transactions involving a currency conversion:
a. If you are a User registered in a Relevant Country other than the UK and Ireland:
4.0% above the wholesale exchange rate.